American Pacific Mortgage in Utah vs the state
7.8%Denial rate-8.17 pts vs state
9.9%Decision denial rate-9.28 pts vs state
70.8%Origination rate+7.51 pts vs state
6.50%Median rate-0.13 pts vs state
0.36Rate spread (pts)+0.12 pts vs state
$117kMedian applicant income
445Loans originated
49Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 495 | 356 | 6.3% | 6.75% | #53 |
| 2024 | 384 | 281 | 6.5% | 6.88% | #64 |
| 2025 | 629 | 445 | 7.8% | 6.50% | #49 |
What American Pacific Mortgage lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most American Pacific Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Salt Lake County | 167 | 101 | 24 | 14.4% |
| Weber County | 127 | 101 | 7 | 5.5% |
| Davis County | 119 | 96 | 6 | 5.0% |
| Utah County | 86 | 53 | 6 | 7.0% |
| Box Elder County | 28 | 24 | 1 | 3.6% |
| Tooele County | 25 | 20 | 1 | 4.0% |
| Cache County | 15 | 8 | 0 | 0.0% |
| Washington County | 13 | 9 | 1 | 7.7% |
| Carbon County | 8 | 7 | 0 | 0.0% |
| Wasatch County | 8 | 6 | 0 | 0.0% |
Other large lenders in Utah
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| AMERICA FIRST Federal Credit Union | C | 16,303 | 18.3% | 6.99% |
| Mountain America Federal Credit Union | D | 15,401 | 36.5% | 7.24% |
| United Shore Financial Services | B | 11,325 | 8.5% | 6.25% |
| Rocket Mortgage | C | 6,276 | 14.6% | 6.63% |
| Guild Mortgage | A | 5,427 | 1.5% | 6.50% |
| Intercap Lending | A | 4,881 | 0.7% | 6.50% |
| Goldenwest | B | 4,794 | 17.6% | 7.50% |
| First Colony Mortgage | A | 3,499 | 2.1% | 6.38% |
| Kind Lending | C | 3,227 | 20.3% | 6.50% |
| Zions Bancorporation | B | 3,013 | 22.9% | 6.49% |
Frequently asked questions
Utah: 629 applications in 2025, of which 445 were originated and 49 denied.
7.8% of all applications, or 9.9% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans American Pacific Mortgage originated in Utah in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are American Pacific Mortgage's own HMDA filing for properties located in Utah, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology